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I was informed 5/30/12 by the association (HOA) that I owed $95.00 even though I had paid in full for the whole year. The extra money I paid for the whole year could fulfill the amount I owed. Later, in the letter dated 8/20/12 Equity Experts charged me $4,885.00. The association fee is $25.00/ month.1. How did I owe the association fee?2. How much is the late charge fee?3. What is the late amount chart?4. Does the collector have the power to increase the amount from $95.00 to $4,885.00 and add on any unlimitted charges against on my property.